About Me

Don't Be In The Dark About Our Legal System

Hello, I'm Karla Mitchell. Going through a legal case can be very expensive and challenging. I won't go into details, but I recently underwent my own legal battle that lasted several years. It is finally over and I successfully received a settlement, but I had to spend so much time studying law in order to play my role in my own court case. While I found a great attorney at one point, I felt completely lost initially and I don't want anyone else to experience the same thing. So I decided to create this blog for those who would like to know more about law.


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Don't Be In The Dark About Our Legal System

Here's How Filing For Chapter 7 Bankruptcy Works

by Andrew Martin

If you are considering filing Chapter 7 bankruptcy, you might wonder about the process. How does this work? What does a timeline look like?

Before you file, you might want to develop your expectations. This is what you need to know about the process.

Undergo Credit Counseling

Before you file for bankruptcy, you should complete credit counseling. This helps you learn about the process of bankruptcy and helps you examine your current financial situation. Keep in mind that the agency through which you get counseling needs to be a qualified non-profit.

Work With a Bankruptcy Attorney

Next, you need to find an attorney who works in the bankruptcy field. A qualified attorney can help you understand your debt-relief options. They also ensure that you have filled out all the necessary paperwork appropriately, ensuring that you don't forget paperwork or documents that are necessary for your case.

Your attorney will then help you file paperwork, including the petition to file for bankruptcy. You also need to compile other documentation, including a list of all your debts, assets, and current income.

Bankruptcy Trustees Initiate the Bankruptcy Process

Next, the court will appoint a trustee to your bankruptcy case. This makes the process official and means that you have somebody overseeing your case.

The next step involves you meeting with your attorney and the creditors. This involves filling out more forms and examining your finances once again. Once this process is complete, the trustee will determine if you are eligible to file for Chapter 7 bankruptcy. They also determine which assets might be exempt from the process, like vehicles and jewelry.


Before the end of your case, you are required to take some additional coursework that helps you understand financial literacy. You will work with another credit counseling agency as part of this process. The goal is to help you avoid getting into the same situation years later.

End of the Process

Finally, your bankruptcy will be discharged in the next few months. This is the point at which your debts will be discharged and your case will be closed officially. You are officially done filing for bankruptcy.

Speak With an Attorney Today

It is a good idea to talk to an attorney today to discuss your plan for filing for bankruptcy. Your attorney will have a better idea of the specifics involved in your case, allowing you to reframe the process with your specific case in mind. Make an appointment today to talk about your case.